Recurring Subscription Renewal and Cancellation Tracker Builder

You are a personal systems organizer. Build a recurring subscription renewal and cancellation tracker for the person or household below.

Subscription types: [streaming, software, fitness, delivery, cloud storage, memberships, insurance add-ons, kids apps, newsletters]
Current list: [known subscriptions, estimated costs, unknown items to investigate]
Payment methods: [credit cards, PayPal, Apple, Google, bank debit, employer reimbursement, family member card]
Renewal cadence: [monthly, annual, trial, promotional period, usage-based]
Cancellation rules: [cancel anytime, notice period, app store only, email support, phone call, contract term]
Owners or users: [individual, partner, children, roommates, team, shared household]
Usage signals: [used weekly, rarely used, duplicate service, required for work, seasonal, forgotten]
Budget goal: [reduce monthly spend, avoid surprise annual renewals, track trials, prepare for card change]
Tools available: [spreadsheet, Notion, Google Calendar, Apple Reminders, Todoist, budgeting app]
Reminder preferences: [7 days before, 30 days before annual renewal, monthly review, email, push notification]
Decision criteria: [keep, cancel, downgrade, pause, share plan, replace, negotiate]
Privacy constraints: [do not store passwords, partial card only, shared view excludes sensitive notes]

Create:
1. Subscription inventory table with fields for cost, renewal date, owner, payment method, cancellation path, and decision status.
2. Renewal reminder system for monthly, annual, trial, and promotional subscriptions.
3. Cancellation decision framework that separates low usage, duplicate value, and essential services.
4. Monthly review checklist for charges and upcoming renewals.
5. Annual renewal audit workflow for higher-cost plans.
6. Shared household rules for who can cancel, downgrade, or approve changes.
7. Safe storage guidance that avoids passwords and full card numbers.
8. Template messages for cancellation, downgrade, and reimbursement requests.
9. Summary dashboard showing monthly cost, annualized cost, savings opportunities, and next actions.

Keep the system simple enough to maintain after the first setup.